I need health insurance.?

Question

The job I am currently at does not provide health insurance. I am looking for some sort of health insurance for me and my husband that does not have a deductible. I am not the leading expert on these kind of things so I'm not even sure private insurance has plans with no deductibles. My old job offered monthly premiums and all I had to pay was a copay when I visited the doctor. But now that I am researching this stuff online I can only find plans with deductibles. We hardly ever see the doctor so we need a very simple plan that allows us to pay a monthly premium and then the doctors office copay.
Does anyone have any information that you feel would be useful to me. Any help would be appreciated!

P.S. I live in Texas. I am getting people telling me that I can find a plan with no deductible and others are telling me no....so im confused. I dont qualify for medicare or medicaid and I'm not on cobra. I have no health problems and neither does my husband.
I just need a very very simple plan that allows me to pay about 150 dollars a month for my health insurance and pay my copays when i visit the doctor.....is this not possible at all?? What I understand about deductibles is that you pay your whole deductible until its paid in full then you pay either a percentage afterwards or the insurance covers the rest....BUT if my deductible is like 5000 dollars then insurance wont hardly be necessary for me....i might as well just pay out of pocket...

Answer 1

OK, what you want is an HMO. But you're not going to find it for $150 a month, you can't find it for $150 per person. It's going to run you about $250 a month EACH.

Don't bother going online for quotes. Go to your car insurance agent or house insurance agent, or another local, independent agent, and ask them for quotes.

The reason why people are going to steer you towards a major medical plan with deductible, is, the health HMO with no deductible is going to run you $500 a month. That's $6,000 a year. A major medical with $1500 deductible, well, based on what you're telling me, you'll be WAY ahead of the game if you pay for your doctor every once in a while. Just do the math.

Answer 2

There are a few HMO plans that don't require a deductible; however, they are virtually worthless unless you have a good local network available in their plan. (In fact, it's VERY rare these days to even have a group plan with no deductible.)

Every other type of plan will require a deductible. And if you aren't going the doctor all that often, I'm not sure why you'd want to shell out the extra money to have no deductible anyway. The real question, it seems, is whether or not they doctor office copay is available and, if so, does it come into play BEFORE or only AFTER you meet the deductible. There are many plans that will have a doctor/specialist copay from day one (and the deductible will apply to other charges -- like lab work, ER visits, etc.)

If you could list your location, we might be able to make more specific suggestions (since the companies and plans vary by location.)

Answer 3

I don't know about the availability outside group insurance, but the plan types you are looking for would be HMOs, EPOs, or POSs. Generally they don't have deductables, but you will be required to stay in the carrier's network to avoid one. (A POS provides out-of-network services, but that usually has a deductable, and is structured as co-insurance, or a percentage of the amount charged by the provider). PPOs and Indemnity plans are the ones that have deductables, and are probably most commonly offered as individual plans. Are you on COBRA from your old job? That should have given you 18 months of coverage. Although expensive, COBRA allows you to maintain coverage so you can preserve your protection under HIPAA against pre-exisiting condition limitations from your new insurer. HIPAA only protects you for a maximum gap in coverage of 63 days.

Answer 4

You won't find any private health insurance plans without a deductible. They all have them; however, I believe Blue Cross has a very good plan for your situation. Visit their website and answer a few questions. They will then give you some options based on your answers.....good luck!

Answer 5

existence and regularly occurring insurance is distinctive. GI companies furnish medical wellness insurance whic is frequently is conscious as mediclaim insurance. Apollo Munich promises hi that's easy to understand and one with none sublimits. Have a superb day!

Answer 6

you're not going to find a private policy with copays... Sorry. If you've got the option to choose COBRA through your old employer, do that... Otherwise, you're stuck with a deductible. Good luck.

Answer 7

You can compare a variety of individual health insurance plans at www.ehealthinsurance.com. You can sort them and compare by premium, deductible, etc.

Answer 8

Purchasing insurance as an individual is very costly. Blue Cross / Blue Shield has some plans you can purchase, but they aren't cheap. You might also see if you are eligible for Medicaid.

Answer 9

You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health

Take care,
Casey

Answer 10

Don't know how useful this will be, but try contacting Blue Cross.